Call reports 2016
HIGH DESERT BANK — 2016
What HIGH DESERT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 28,996,000 | 26,972,000 | 26,637,000 | 25,896,000 |
| Total loans | 13,615,000 | 11,960,000 | 10,710,000 | 10,942,000 |
| Allowance for loan losses | 642,000 | 608,000 | 480,000 | 399,000 |
| Securities available for sale | 1,974,000 | 1,930,000 | 6,056,000 | 5,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,944,000 | 25,264,000 | 25,368,000 | 24,633,000 |
| Interest-bearing deposits | 21,895,000 | 20,319,000 | 20,692,000 | 20,451,000 |
| Noninterest-bearing deposits | 5,049,000 | 4,945,000 | 4,676,000 | 4,181,000 |
| Equity capital | 1,954,000 | 1,571,000 | 1,203,000 | 1,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 248,000 | 458,000 | 649,000 | 852,000 |
| Interest expense | 25,000 | 47,000 | 66,000 | 84,000 |
| Net interest income | 223,000 | 411,000 | 583,000 | 768,000 |
| Noninterest income | 287,000 | 461,000 | 532,000 | 690,000 |
| Noninterest expense | 805,000 | 1,587,000 | 2,185,000 | 2,644,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | -295,000 | -715,000 | -1,070,000 | -986,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -295,000 | -715,000 | -1,070,000 | -986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,954,000 | 1,571,000 | 1,188,000 | 1,268,000 |
| Total capital | 2,096,000 | 1,707,000 | 1,347,000 | 1,419,000 |
| Risk-weighted assets | 10,893,000 | 10,303,000 | 12,435,000 | 11,812,000 |